Crypto Payments for Fintech in United States
Zateway helps fintech teams get paid globally in stablecoins — without chargebacks or custody risk. Built for teams operating in United States (USD).
Non-custodial USDT/USDC settlement avoids bank holds and chargebacks. Fintech businesses lose margin to card fees, chargebacks, and slow cross-border rails. Zateway settles USDT/USDC directly to your wallet at 1%, so cash flow improves without adding custodian risk.
- Lower payment costs for fintech checkout
- Instant on-chain settlement to your wallet
- No chargebacks on confirmed crypto payments
- Local signal: 39% of US merchants already accept or plan to accept crypto.
- Regulation: SEC/CFTC oversight with clear IRS tax guidance.
- Currency context: USD
Fintech payments in United States
Zateway helps fintech teams in United States accept USDT and USDC with non-custodial settlement. Payers check out on Polygon, Solana, Base, BSC, Arbitrum, Optimism; funds route to your wallet at a flat 1% — no monthly fee and no chargeback risk on completed on-chain payments. Local currency context: USD.
Market context for United States
39% of US merchants already accept or plan to accept crypto. SEC/CFTC oversight with clear IRS tax guidance. Non-custodial USDT/USDC settlement avoids bank holds and chargebacks. Common verticals in United States include SaaS and software, E-commerce, Digital agencies, Creator economy. Because settlement is non-custodial, Zateway never takes possession of merchant funds — confirmed payments move on-chain straight to the wallet you control, and the payment record stays verifiable on a block explorer.
Why Fintech Teams Choose Stablecoin Payments
Fintech businesses lose margin to card fees, chargebacks, and slow cross-border rails. Zateway settles USDT/USDC directly to your wallet at 1%, so cash flow improves without adding custodian risk.
How Fintech Checkout Works on Zateway
Create a payment link or API session, let customers pay from any supported wallet, and fulfill when webhooks report confirmed settlement. Ideal for fintech ops teams that need audit-friendly tx hashes.
Go live in United States
Create a Zateway account, connect a USD-aware operating wallet, test in sandbox, then share a payment link or API session with United States customers. Prefer Polygon, Solana, or Base when network fees matter most.
FAQ
Can fintech businesses in United States accept USDT?
Yes. Zateway supports USDT and USDC on Polygon, Solana, Base, BSC, Arbitrum, Optimism for merchants serving United States, United States.
What does crypto payment compliance look like in United States?
SEC/CFTC oversight with clear IRS tax guidance. Merchants remain responsible for their own tax treatment, invoicing and reporting obligations, and should confirm local requirements with a qualified advisor before going live.
What fees apply for Fintech checkout in United States?
Zateway charges a flat 1% per successful crypto payment. Network/gas fees are paid on-chain by the payer or merchant depending on chain settings — there is no Zateway monthly fee.
Does Zateway hold merchant funds?
No. Settlement is non-custodial — confirmed payments go to the wallet you connect.
Can fintech businesses accept USDT?
Yes. Zateway supports USDT and USDC on Polygon, Solana, Base, BSC, Arbitrum, Optimism.
Do you hold our funds?
No. Zateway is non-custodial — payments go directly to your wallet.